Explore how our fixed index universal life (FIUL) insurance could work for you
Quickly estimate how much life insurance you’d need to cover both current expenses and long-term needs – and see immediate results in a personalized video.
Use this educational tool to help evaluate allocation options for receiving potential interest, based on your perspective on equity markets, volatility, and interest rates.
Get the basics on this type of permanent life insurance and its potential benefits for protection, accumulation potential, the opportunity for loans and withdrawals1, and tax deferral.
FIUL can provide an opportunity of supplemental source of retirement income (through loans and withdrawals1) that can help you maintain a lifestyle and help pay for travel, purchases, or unexpected expenses.
Small businesses need strategies for rewarding key employees, and to help ensure a successful transition when it’s time – and FIUL can be part of the solution.
In this era of skyrocketing tuition costs, FIUL can be part of a funding solution (through loans and withdrawals1) for parents or grandparents who want to help a child afford college.
FIUL can add flexibility into an estate planning strategy for managing the inevitable changes that occur over time – in finances, in taxation, and in family dynamics.
1 Policy loans and withdrawals will reduce the available cash value and death benefit and may cause the policy to lapse, or affect guarantees against lapse. Withdrawals in excess of premiums paid will be subject to ordinary income tax. Additional premium payments may be required to keep the policy in force. In the event of a lapse, outstanding policy loans in excess of unrecovered cost basis will be subject to ordinary income tax. If a policy is a modified endowment contract (MEC), policy loans and withdrawals will be taxable as ordinary income to the extent there are earnings in the policy. If any of these features are exercised prior to age 59½ on a MEC, a 10% federal additional tax may be imposed. Tax laws are subject to change and you should consult a tax professional.
FIUL is not a source for guaranteed income in retirement and is not a traditional college funding vehicle. There is no guarantee that a policy will earn sufficient interest to support a loan strategy.This content is for general educational purposes only. It is not intended to provide fiduciary, tax, or legal advice and cannot be used to avoid tax penalties; nor is it intended to market, promote, or recommend any tax plan or arrangement. Allianz Life Insurance Company of North America, its affiliates, and their employees and representatives do not give legal or tax advice. Customers are encouraged to consult with their own legal, tax, and financial professionals for specific advice or product recommendations.
The death benefit is generally income-tax-free when passed on to beneficiaries.
Fixed index universal life insurance policies require qualification through health and financial underwriting.
Allianz Life Insurance Company of North America does not provide financial planning services.
Guarantees are backed by the financial strength and claims-paying ability of Allianz Life Insurance Company of North America.
Products are issued by Allianz Life Insurance Company of North America, PO Box 59060, Minneapolis, MN 55459-0060.
This content does not apply in the state of New York.
